Auto Insurance Quotes for a Toyota Sienna in San Francisco

If saving the most money is your goal, then the best way to get low-cost Toyota Sienna insurance is to regularly compare prices from different companies who can sell car insurance in San Francisco.

Step 1: Try to understand how your policy works and the changes you can make to keep rates down. Many risk factors that increase rates such as traffic tickets, fender benders, and a less-than-favorable credit score can be remedied by being financially responsible and driving safely. Continue reading for more information to lower rates and get additional discounts that may be available.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Allstate, while agents who are independent can provide rate quotes for many different companies.

Step 3: Compare the quotes to your existing coverage to see if a cheaper price is available. If you find better rates and make a switch, make sure there is no coverage gap between policies.

Step 4: Notify your current company of your decision to cancel your current car insurance policy and submit a signed application and payment to the new company. Immediately upon receiving it, keep your new certificate verifying coverage with the vehicle registration.

A crucial key to this process is to use identical coverage information on each quote request and and to get prices from as many different companies as possible. This enables a fair price comparison and a thorough selection of prices.

Regrettably, most drivers kept their policy with the same company for well over three years, and 38% of drivers have never compared rates from other carriers. Many consumers in San Francisco could save roughly 35% every year just by shopping around, but most just don’t grasp the big savings they would realize if they switched.

Cheap Toyota insurance prices in San Francisco

The following companies can provide comparison quotes in San Francisco, CA. If the list has multiple companies, it’s a good idea that you get prices from several of them to get a more complete price comparison.

Toyota Sienna detailed coverage information

The price information below showcases detailed analysis of rate quotes for Toyota Sienna models. Having knowledge of how prices are established can benefit drivers when making smart choices when purchasing an insurance policy.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in specific zip code location which can lower or raise price quotes significantly.

How high should deductibles be?

A question often asked by San Francisco drivers is at what level do you set your deductibles. The figures shown below help summarize the rate differences between high and low comp and collision deductibles. The first rate estimation uses a $250 physical damage deductible and the second rate table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in specific garaging location which can lower or raise auto insurance rates considerably.

We can estimate from the data above that using a $250 deductible would cost the average driver about $18 more each month or $216 every year than quoting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 14 months between claim filings, you would most likely save money going with the higher deductible.

The illustration below highlights how deductible selection and can affect Toyota Sienna insurance prices for each different age group. The information is based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

How accidents and tickets impact rates

The illustration below highlights how speeding tickets and at-fault claims can increase Toyota Sienna auto insurance rates for each different age group. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Age-based auto insurance rates by gender in San Francisco

The diagram below visualizes the comparison of Toyota Sienna yearly insurance costs for male and female drivers. The costs are based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, single status, and no additional discounts are factored in.

How You Can Control Toyota Sienna Insurance Costs

A large part of saving on auto insurance is knowing some of the things that help determine the price you pay for auto insurance. When you know what positively or negatively determines premiums, this allows you to make good choices that can earn you lower rates.

The following are a few of the “ingredients” that factor into your rate level.

• Do you really need roadside assistance? – There are many additional coverages that may not really be needed but may not be useful. Coverage for things like coverage for rental cars, accidental death, and additional equipment coverage are probably not needed. These coverages may sound good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
• Insurance rates for married couples – Having a significant other helps lower the price when buying auto insurance. Having a spouse translates into being more stable financially and it’s proven that drivers who are married are more cautious.

• Teen drivers cost more – More mature drivers are more responsible, file fewer claims, and usually have better credit. Youthful drivers are known to be inattentive behind the wheel so auto insurance rates are higher.

  The following chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Reserve claims for larger damages – If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies in California generally give most affordable rates to people who only file infrequent claims. Auto insurance is meant to be used in the event of larger claims.
• Cars with good safety ratings cost less to insure – Cars with high safety ratings tend to be cheaper to insure. The safest vehicles reduce occupant injuries and lower rates of occupant injuries means less claims paid and thus lower rates.

• The type of car, truck or SUV makes a difference – The performance level of the car you are trying to find cheaper insurance for makes a huge difference in your rates. Low performance passenger models generally have the cheapest insurance rates, but that’s not the only thing that factors into the final price.

  The following data assumes a single female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Toyota Sienna insurance premiums compared to other vehicles that have different performance rating factors.

• High deductibles reduce costs – Coverage for physical damage, also called comprehensive and collision insurance, insures against damage to your Toyota. Examples of some claims that would be covered would be a broken side mirror, collision with an animal, and damage caused by flying debris. Comp and collision deductibles state the amount of money you are required to spend before a claim is paid by your company. The more money you choose to pay out-of-pocket, the less your company will charge you for insurance.
• Discounts for multiple policies – Most larger insurers will award discounts to insureds who have multiple policies with them in the form of a multi-policy discount. The discount can be five, ten or even twenty percent. Even though this discount sounds good, consumers should still shop around to confirm you are receiving the best rates possible.

• Loss probability for a Toyota Sienna – Insurers include the past claim trends for vehicles as a way to help calculate a profitable premium rate. Vehicles that tend to have a higher amount or frequency of claims will have higher rates. The table below shows the insurance loss data used by companies for Toyota Sienna vehicles.

  For each coverage category, the loss probability for all vehicles, as an average, is equal to 100. Values that are below 100 suggest losses that are better than average, while values that are above 100 point to more losses or an increased probability of a larger loss.

  
  

  Insurance Loss Ratings for Toyota Sienna Vehicles

  Specific Toyota Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Toyota Sienna 2WD	99	88	99	94	98	85
  Toyota Sienna 4WD	106	94	102	75	65	73

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheaper rates on Toyota Sienna insurance in San Francisco with these discounts

Auto insurance companies don’t always publicize every possible discount in a way that’s easy to find, so the list below details both well-publicized and also the more inconspicuous discounts that may be available.

• Safety Course Discount – Passing a safe driver course could cut 5% off your bill and also improve your driving technique.
• Online Discount – A few larger online companies provide a small discount for buying your policy digitally online.
• Payment Method – If you pay your bill all at once instead of making monthly payments you may have a lower total premium amount.
• Senior Discount – If you qualify as a senior citizen, you may receive a slight reduction on a San Francisco auto insurance quote.
• Save with a New Car – Insuring a vehicle that is new can get you a discount because new model year vehicles have to meet stringent safety requirements.
• ABS Braking Discount – Vehicles with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.

As a sidenote, most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, insurance companies aren’t that generous.

The information below illustrates the difference between Toyota Sienna annual premium costs with and without policy discounts. The information is based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, multi-policy, and safe-driver discounts applied.

If you would like to view insurance companies that offer multiple discounts in California, click this link.

Local San Francisco car insurance agents and auto insurance

Many drivers just prefer to get professional advice from a licensed agent and that is a personal choice. Experienced insurance agents can help determine the best coverages and help submit paperwork. An additional benefit of getting online price quotes is the fact that you can find the best rates but also keep your business local. Supporting small agencies is important particularly in San Francisco.

After completing this form (opens in new window), the coverage information is instantly submitted to local insurance agents who can give free rate quotes and help you find cheaper coverage. There is no reason to leave your house as quotes are delivered to you directly. If you have a need to get a price quote from a particular provider, just visit that company’s website and fill out their quote form.

Pick the best auto insurance agent in San Francisco for you

If you are wanting to purchase auto insurance from a reliable insurance agency, it can be helpful to understand the types of agencies and how they function. Agents are either independent or exclusive. Both types of agents can write policy coverage, but it’s worth mentioning the difference in the companies they write for since it may influence which type of agent you select.

Independent Agents (or Brokers)

Independent agents do not write with just one company so they can write business with a variety of different insurance companies and get the cheapest rates. If they find a lower price, the business is moved internally which is easy for the insured.

When comparing rates, you will definitely want to compare quotes from at least one independent agent in order to compare the most rates.

Shown below is a small list of independent agencies in San Francisco who may provide price quotes.

View more agents

Exclusive Auto Insurance Agencies

Agents that choose to be exclusive can usually just insure with one company like Allstate, Farmers Insurance, State Farm, and AAA. They are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well trained on their products and sales techniques which helps them sell insurance even at higher premiums.

Listed below is a short list of exclusive agencies in San Francisco that are able to give price quote information.

View more agents

Picking a insurance agency should depend on more than just a low price. The questions below may impact your decision as well.

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Is auto insurance their primary focus in San Francisco?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Will their companies depreciate repairs to your car based on the mileage?
• Do they have cheaper tiers of coverage?
• Does their agency support local causes in San Francisco?
• Do you have coverage for a rental car if your vehicle is in the repair shop?

Upon getting positive feedback to these questions as well as an affordable premium quote, it’s a good possibility that you have found an auto insurance agent that meets your needs to insure your vehicles.

Quote more and you will save more

We just showed you a lot of information how to lower your Toyota Sienna insurance premium rates in San Francisco. The most important thing to understand is the more rate quotes you have, the higher your chance of finding affordable Toyota Sienna insurance quotes. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate and Progressive.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There are too many instances where consumers will sacrifice liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at a price you can afford.

The cheapest Toyota Sienna insurance in San Francisco can be found on the web and from local agencies, so you need to shop San Francisco auto insurance with both to have the best selection. Some companies don’t offer the ability to get a quote online and many times these smaller companies provide coverage only through independent agents.

Additional information

• Young Drivers: The High Risk Years Video (iihs.org)
• Who Has Affordable Car Insurance Rates for Teenagers in San Francisco? (FAQ)
• Who Has Affordable Auto Insurance Rates for State Employees in San Francisco? (FAQ)
• Who Has Cheap Auto Insurance Quotes for College Students in San Francisco? (FAQ)
• Who Has Cheap Auto Insurance for a Honda CR-V in San Francisco? (FAQ)
• Distracted Driving (Insurance Information Institute)
• Smart Auto Insurance Tips (Insurance Information Institute)
• Choosing a Car for Your Teen (State Farm)
• Get the Right Protection (InsureUonline.org)